Freelance calculator
Freelance taxes in Canada: what you keep
How much does a freelancer keep in Canada? Enter your rate and see income tax, social security and other contributions under Self-employed (federal + provincial), with 2026 rules and editable rates.
Income
That is $86,400 a year, $7,200 a month, before tax
Live rate, refreshed every few hours. Edit it if your bank uses another.
Gross income
CA$122,871
CA$10,239 per month
Total taxes and contributions
CA$37,125
Effective rate: 30.2%
Net income (take-home)
CA$85,746
CA$7,145 per month
Where your money goes
You keep 69.8% of your gross income
| Item | Per year | Per month | % of gross |
|---|---|---|---|
| Gross income | CA$122,871 | CA$10,239 | 100% |
| Income tax (Federal) | −CA$18,194 | −CA$1,516 | 14.8% |
| Provincial tax | −CA$9,638 | −CA$803 | 7.8% |
| Social security (CPP) | −CA$9,293 | −CA$774 | 7.6% |
| Total taxes and contributions | −CA$37,125 | −CA$3,094 | 30.2% |
| Net income (take-home) | CA$85,746 | CA$7,145 | 69.8% |
Net per working hour: CA$59.55/h
Rules used: Self-employed (federal + provincial)
Federal brackets 2026 (14% lowest rate) with the basic personal amount, CPP self-employed contributions (11.9% to $74,600, CPP2 8% to $85,000) with the employer half deducted. Ontario uses its 2026 brackets, surtax and health premium; for other provinces set a flat % of taxable income. RRSP contributions are deducted. GST/HST registration is needed above $30,000 but services exported are zero-rated.
Tax year 2026 · Checked October 14, 2026 · Source: CRA
What this assumes
A single person with no dependents, no other income, no deductions beyond the ones named, and clients abroad, so VAT or sales tax is not charged. Rates are for the tax year shown.
This is an estimate for information, not tax advice. Rules change and depend on your situation: confirm with the tax authority or an accountant before you decide.
Example
At $60 an hour for 30 hours a week, a freelancer in Canada earns about CA$122,871 a year before tax and keeps about CA$85,746 (70%) after CA$37,125 of taxes and contributions.
What is included
For the default regime the calculation covers: Income tax (Federal), Provincial tax, Social security (CPP).
Tax regimes covered
- Self-employed (federal + provincial)Federal brackets 2026 (14% lowest rate) with the basic personal amount, CPP self-employed contributions (11.9% to $74,600, CPP2 8% to $85,000) with the employer half deducted. Ontario uses its 2026 brackets, surtax and health premium; for other provinces set a flat % of taxable income. RRSP contributions are deducted. GST/HST registration is needed above $30,000 but services exported are zero-rated.
Frequently asked questions
- How much tax does a freelancer pay in Canada?
- In the example above the total is CA$37,125, an effective rate of 30%. It changes with income, regime and deductions: use the calculator to test your own numbers.
- Which taxes does the calculator include for Canada?
- Income tax (Federal), Provincial tax, Social security (CPP). Local rules and exemptions can add or remove items, so confirm with CRA.
- Is this calculator accurate?
- It applies the published 2026 rules for a single self-employed person. Real bills vary with deductions, regional rules, family situation and timing, so treat it as a planning estimate and confirm with a professional.
- Which currency are my earnings in?
- Most listings on SOJI pay in US dollars. Choose USD and the calculator converts to your local currency at the rate shown (you can edit it), then applies the local tax rules to the local amount.
- Why can I change the tax rates?
- Your situation may differ: another region, a special regime or a negotiated rate. Type any percentage and the net income updates straight away.
- Does it include VAT?
- No. If your clients are abroad, services are usually exempt or zero-rated, and VAT is not your income anyway. Check the rule for your country.